Depending on your credit rating, how much you're putting down, and if you bring in your own pre-approved financing, they'll match APR or try to do a little better than your rate.

 

 

My rate was through a local Credit Union. If Ford wants to match or offer lower then Sure Ill take that.

But my 3.99 for 84 months is through the local credit union.

 

I'm dealing with this now and not sure what to do. My truck comes in next week
If I finance through my company the best that can do a hair under 10% !!!
If I finance through me personally the best they can using an outside bank is 6% but I can only put down $10-25K. Anything more than that the rate goes up.

Do I contact a local Credit union prior to going to get my truck ? Or just go get it at the high rate and hope to refinance. ?

I just don't know what the right thing to do it. I can fill out an application for USAA credit union prior to going there.

Matt

 

Yes, contact a couple of Credit Unions before you go in to pay for your truck. Ask them what their best rate they can offer you is - shop around. The better your credit score, the better your rate will be.

 

 

The ford finance manager at the dealer I am working with told me that "Well when you leave here its considered a used car so you wont get a good rate."

 

Not true with most credit unions. My credit union does the same low rate on new and used vehicles for example. Credit unions are far better then banks since they are non profit..